Insurance Blog

How long has your insurance company been in business?

The need for insurance in Canada became apparent quite early, with many companies developing their Canadian-style branches in the mid-1800s. Companies that are starting up nowadays are trying to fit into this sector whilst competing with already established businesses, so to make an imprint in this area, they are going to need resources that will support them and their clients, from a startup cpa to legal representation, all of this is crucial. They will also need to put a fair effort into marketing themselves so ...
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Everything You Need to Know About Ecig Joints

Full disclosure An insurance policy is a legal contract - when you enter into an insurance agreement, there are many disclosures involved, on your part and the insurer's, as part of the policy and claim. It is prudent that you provide full disclosure to ensure that your claim will be paid out without disputes. While life insurance companies do not specifically ask about ecig joints on life insurance applications, it is still a good idea to disclose usage to avoid any claim disputes arising from ...
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Top 4 Strategies For Hard To Insure Applicants

If you have pre-existing medical conditions, it can be not easy to get a life insurance policy. WE created this infographic to inform you about 4 strategies to find the best insurance for pre-existing medical conditions ...
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Six Unbelievable Insurance Policies That Actually Exist

Life isn't for the faint of heart, with its unpredictability, natural disasters, and having to allow others to have their boundaries and opinions instead of just agreeing with us all the time, but thankfully we humans have adapted and put several controls in place that greatly reduce our anxiety of the world beyond our doorstep. We all know the normal types of insurance that exist out there, health insurance, pet insurance, life insurance, and home insurance all exist to ensure that you are covered when ...
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Humania Provides Insurance Options For Those With Limited Options

Humania is a modern day life insurance provider that has a century of experience in a competitive market. Rising from humble begins in 1874, Humania started out as a fraternal benefit society established to provide financial support for widows and orphans. Over the years, Humania has evolved to meet the needs of a changing society by relying on a strong commitment to customer service, empathy and humanity. The name Humania is a reflection of these core values that were established so many years ago. Most ...
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How Drug Use Impacts Life Insurance

Insurance is a risk-averse business, and doing drugs can make it hard for people to find insurance coverage. On most insurance applications, applicants are asked if they have consumed illicit substances within the past 12 months, and whether the person is applying for critical illness insurance or life insurance, ticking off the box for drug use will raise a red flag with the insurance company. Of course, if you've been getting addiction help from somewhere like Klinic.Care then this will ensure the price doesn't increase ...
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Who Has the Best No Medical Life Insurance Policy??

Have questions about the best no medical coverage? No medical life insurance is a product that many people are just learning about. What is it? No medical life insurance is a type of life insurance policy with no medical visits required and fewer (if any) health questions than traditional plans. While some people think of them as being more expensive than traditional plans, for people who would otherwise have rated plans (a rating occurs when someone has a health condition that creates a higher risk ...
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The Tax Benefits of Life Insurance

What does a consumer get when they invite a life insurance broker over for coffee? Well, that depends on how he feels about his life insurance broker. The harsh reality is that when the average person hears the words life insurance, they break out in a cold sweat. Of course, any insurance broker can tell you that this fear is irrational, but very few people will take any comfort in that. These misperceptions, as genuine as they may seem, are unfortunate because a conversation about ...
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Should Young People Buy Life Insurance?

Why Younger Is Better When it Comes to Life Insurance It may have seemed unfair of George Bernard Shaw to coin the saying, “youth is wasted on the young,” but just ask any person over 50 years old, and they may be able to convincingly argue that there is a modicum of truth to that saying. Your average 20 year old doesn’t know what he doesn’t know, but in 30 years his 50-year-old self might have some words wisdom to share. Now if only that ...
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Top 10 Most Common Diseases and Their Impact on Life Insurance

Life insurance companies are all about managing risk. All life insurance premiums are based on actuarial tables designed to determine how much of a risk each illness or life style choice will lead to an early death. Many people already know that illnesses such as cancer, stroke, heart disease and diabetes may cause them to have higher rates or even be uninsurable, but there are other illnesses and diseases that insurance companies take into account when determining coverage. This is a list of the top ...
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